Interest rates have dropped sharply across the board in Singapore since March, and all the savings accounts offering higher interest rates (like Stan Chart, Maybank) have lowered their rates. The same goes for many fixed deposits.Nevertheless, T-bills still offer decent rates for small amounts (lowest denominations is 1k), and the rates is still much better than most Fixed deposits (Unless you happen to have large sums like above 50k and 'threaten' to deposit your money elsewhere) . Stan Chart's Esaver (1.5%) is still excellent given its no conditions on withdrawals, and Maybank should be similar too, although I do not know the exact rate.
However, the biggest drawback to T-bills is the hassle of having to go on a Friday and wait at the bank(and its a long wait, as it is the same queue as those buying investment products). The Phillips electronic T-bill portal is more convenient, but at the cost of losing around 0.05% due to the spread.
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